Mercado Pago Chile
国家/地区: 智利 (CL) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 55%
Mercado Pago 是拉美电商巨头 MercadoLibre 旗下的数字电子钱包与金融科技平台，在智利移动电子钱包、在线网购支付与商户收单市场中处于领军地位，以余额快捷付、扫码支付与支持账户自动代扣为核心，广泛用于电商购物结算、SaaS 软件订阅、游戏充值及日常生活缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects Mercado Pago at checkout
- Checkout opens Mercado Pago app or displays login modal
- Customer selects wallet balance or stored card and confirms with PIN
- Mercado Pago clears transaction and redirects customer back to merchant
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API calls acquiring gateway for Mercado Pago session
- PSP issues payment token and Mercado Pago redirect URL
- PSP receives payment clearing callback and updates merchant order status